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Medicare Annual Enrollment

Period Ends December 7th, 2020

Get more information

Our Team Is Here To Help

Are You Turning 65?
It's Time To Understand Your Medicare Options

 

Medicare Supplement

Compare Medicare Supplement plans side by side

Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you. Insurance companies can only sell you a "standardized" policy identified in most states by letters 

 

All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. As you can see in the comparison chart there are many options from which to choose. As licensed insurance agents we can help you understand the differences between the plans so that you can decide on the right plan for you. 

 

In MassachusettsMinnesota, and Wisconsin, Medigap policies are standardized in a different way.

 

Did you know that each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer? Insurance companies that sell Medigap policies:

  • Don't have to offer every Medigap plan

  • Must offer Medigap Plan A if they offer any Medigap policy

  • Must also offer Plan C or Plan F if they offer any plan

 

Keep in mind, that the Medicare Supplement policy covers co-insurance after you've paid the deductible (unless the Medigap policy also pays the deductible). 

Medicare Advantage

 
  • A single plan offered by private insurance companies that combines coverage

         for Medicare Parts A & B into one plan.

  • Most plans include Part D

  • Must be enrolled in Medicare Parts A & B to be eligible for Medicare Part C

 

  • Depending on your county of residence these plans can have premiums as

         low as zero dollars per month.

  • HMO, PPO, PFFS (plan options are based on county availability)

 

  • If you join a Medicare Advantage Plan you do not need a Medicare

         Supplement Plan

Prescription Drug Coverage

 

Part D

Part D coverage can either be

  • included in your Part C or Medicare Advantage Plan coverage.

  • Purchased separately to support your prescription needs if you are either enrolled
    only under Original Medicare or also enrolled in a Medicare Supplement plan

 

Part D coverage is optional

  • While coverage is option CMS requires that all Medicare eligible beneficiaries do
    have creditable coverage in place.

  • If you do not have other creditable coverage and opt not to enroll into a Part D plan
    you can be penalized.

 

Part D coverage have monthly plan premiums

  • Most Part D plans have a monthly premium

  • Those included in a zero premium Part C plan will not have a premium

 

There are programs available to assist those with limited income with the
cost of co-pays and premium.

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